CAN YOU GET A SURETY BOND WITH BAD CREDIT? WHAT YOU NEED TO KNOW

In the surety bond industry, one of the most common questions we hear at Surety Ez is:
“Can I get a surety bond if I have bad credit?”

The simple answer is yes—but there are a few important things you need to know.

WHAT IS CONSIDERED BAD CREDIT?

Bad credit typically refers to a low credit score or poor credit history—often caused by:

• High debt balances
• Past bankruptcies
• Loan defaults
• Tax liens
• Limited financial history

So, with these credit challenges, can you still qualify for a surety bond?
Let’s dive in.

WHAT IS A SURETY BOND, EXACTLY?

A surety bond is a three-party agreement involving:

• The Principal – You (the business owner or individual)
• The Obligee – The entity requiring the bond (usually a government agency or project owner)
• The Surety – The company backing the bond

In essence, it’s a financial guarantee that you’ll fulfill the duties of a license, contract, or regulation.

HOW DOES BAD CREDIT AFFECT THE BONDING PROCESS?

When applying for a surety bond, companies evaluate your credit score to assess risk.
Here’s how it typically breaks down:

• Good credit → Low risk → Lower bond premium
• Bad credit → Higher risk → Higher premium + Possible extra requirements

Some additional requirements may include:

• More detailed underwriting
• Collateral to reduce risk
• Fewer surety options to choose from

But here’s the good news: You’re still eligible for a bond—even with poor credit.

HOW SURETY EZ HELPS YOU GET BONDED WITH BAD CREDIT

At Surety Ez, bad credit is not a barrier. We work with trusted surety providers who offer specialized bonding programs for high-risk applicants, including those with:

• Low credit scores
• Past bankruptcies
• Tax liens or judgments
• Limited or no credit history

Even though premiums may be higher, we make the process smooth and achievable.

TIPS TO IMPROVE YOUR BOND APPROVAL ODDS

Want to strengthen your application? Here’s what can help:

✅ Show strong business financials – Include bank statements and cash flow reports
✅ Offer collateral – Helps reduce risk in the eyes of the surety
✅ Be transparent – Open communication about credit issues speeds up approval

CONCLUSION: YOU’RE NOT ALONE—WE’RE HERE TO HELP

At Surety Ez, we specialize in helping individuals and businesses get bonded—regardless of credit history. By partnering with multiple surety providers, our licensed experts find the best match for your unique situation.

We believe that everyone deserves the opportunity to get bonded, no matter their credit score.

READY TO GET STARTED?

Apply online in minutes at www.suretyez.com or speak with one of our friendly agents at 1-800-773-1663.

Let Surety Ez take the stress out of the bonding process—because your credit shouldn’t define your future.